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Solera National BancorpSLRK +1.45%68 Net Margin % is 42.45% as of Dec. 2025, which is 2% above its 10-year median of 41.43. GuruFocus rates SLRK with a GF Score™ of 68/100 and a GF Value™ of $14.78 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Solera National Bancorp ranks better than 87.75% on this metric.
Solera National Bancorp (OTCPK:SLRK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Solera National Bancorp Net Margin % Related Terms
Solera National Bancorp Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Solera National Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Solera National Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Solera National Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Solera National Bancorp's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Solera National Bancorp (SLRK) has a Net Margin % of 42.45% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Solera National Bancorp and its competitors. This is near median its historical median of 41.43. Over the past decade, Solera National Bancorp's Net Margin % has ranged from 10.04 to 66.55. According to the industry distribution chart, Solera National Bancorp ranks #187 out of 1526 companies in the Banks industry, placing it in the top 12.3%.
Is Solera National Bancorp's Net Margin % too high?
Solera National Bancorp's current Net Margin % of 42.45% is near median its 10-year median of 41.43. Over the past 10 years, this metric has ranged from a low of 10.04 to a high of 66.55. The Banks industry median Net Margin % is 27.06. Solera National Bancorp's value of 42.45% is 56.9% above this industry median. Based on the distribution chart, Solera National Bancorp ranks #187 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Solera National Bancorp has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solera National Bancorp's Net Margin % compare to BKOR and MCBK?
According to the Banks industry distribution chart, Solera National Bancorp ranks #187 out of 1526 companies for Net Margin %. This places Solera National Bancorp in the top 12% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.06. Solera National Bancorp's value of 42.45% is 56.9% above this benchmark. Historically, Solera National Bancorp's own Net Margin % has ranged from 10.04 to 66.55 over the past decade. While the company's 10-year median is 41.43 vs. the industry median of 27.06, Solera National Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solera National Bancorp's current Net Margin % of 42.45% is 56.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Solera National Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solera National Bancorp's current Net Margin % is 42.45%, which is near median its own 10-year median of 41.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solera National Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Solera National Bancorp (SLRK) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.78, compared to a current price of $20.10 — trading 36% above its estimated fair value. The current Net Margin % is 42.45%, which is near median its 10-year median of 41.43 and 56.9% above the Banks industry median of 27.06. Solera National Bancorp's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Solera National Bancorp (SLRK), the current Net Margin % is 42.45% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Solera National Bancorp (SLRK) Overvalued in 2026?
Based on GuruFocus' analysis, Solera National Bancorp stock appears to be overvalued.
The current stock price of $20.10 is trading 36% above its estimated GF Value™ of $14.78.
GuruFocus considers Solera National Bancorp to be Significantly Overvalued.
Key valuation signals for SLRK:
Net Margin %: 42.45% (near median its 10-year median of 41.43)
GF Value™: $14.78 vs. price of $20.10 (36% above fair value)
Industry Position: 56.9% above the Banks median (#187 of 1526)
No single metric tells the full story. See the SLRK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solera National Bancorp Inc serves as the holding company for Solera National Bank. The bank is a full-service commercial bank offering a broad range of commercial and consumer banking services to small and medium-sized businesses, licensed professionals, and individuals who are particularly responsive to the personalized service that Solera National Bank provides to its customers. It has one operating segment which is Banking. The bank provides a personalized banking experience combined with a broad range of services, customized and tailored to fit the individual needs of its clients.
68GF Score
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